"In 2008, the city of Baltimore filed a legal complaint against Wells Fargo, alleging that the lender violated the Fair Housing Act by disproportionately targeting minority borrowers for subprime loans--what's called "reverse redlining." The lawsuit alleges that the bad loans led to foreclosures, and it seeks damages, claiming that vacant foreclosed homes depress property values and become a financial burden because of demands on city services like police and fire calls."